1. K.THIRUMALAI RAGHAVAN
E Mail: Kthirumalai.raghavan@gmail.com Contact: +91
9176792012
Seven years of Experience in Corporate banking payments/ Compliance sanctions with Flex
cube and Global Pay plus and two years of experience in Retail Assets Personal Loans and Five
years of Experience in Viswas associates Back end Staff for credit Retail operations.
BRIEF OVERVIEW
 To seek a challenging position in Corporate banking payments Side where I could utilize and contribute my
work experience in the field of Processing Payments NSTP mode using Flex cube and Global Pay Plus
applications in the banking industry.
 Strong experience in working with Flex cube applications and Global pay plus in payments side.
 Strong Experience in working Fund Transfer of payments – MT 103 and 202 payments.
 Strong Experience in working Screening of payments under UK sanctions and regulations.
 Strong Experience in working knowledge identifying payments flows in Cash management.
 Strong Experience in working with Retail assets in personal loan sector
PROFESSIONAL EXPERIENCE
Since Mar’08 with TATA CONSULTANCY SERVICES, CHENNAI
Designation : Senior Processing Associates-Processing Specialist
Unit : Corporate Banking
Roles and Responsibilities in Corporate Banking:
• Core Responsible For processing and analyzing the NSTP repair MT 103, 202, ACH and 202 COV.
• Processing Analyst for Citibank Fund Transfer project for Citibank European customers ( Oslo, Finland,
Stockholm, Denmark, Frankfurt, Dublin ).
• Responsible for validating the SWIFT messages and educating the customer when there is invalid
structure in the SWIFT format.
• Responsible for providing regular new updates to the Static Data team in order for them to update in the
systems and reflect while processing in FLEXCUBE and Global PAYPLUS applications.
• Responsible for the UAT & PVT whenever the new updates are getting updated in Fund transfer
applications (FLEXCUBE and GLOBAL PAYPLUS).
• Responsible for booking and processing the FX deals and payments.
• Responsible for reconciling the client escalations, handling the queries from the clients, investigations
and internal departments with regard to the payments.
• Screening of all payments hitting OFAC (Office of Foreign Asset Control) queue across all Citibank
locations, which are in compliance with the UK Sanctions.
• Escalation of the potential exact matches to the compliance in Citi Bank Ireland. The processing
environment involves dynamic cut – offs Schedules.(Different Cut-offs for respective European
countries).
• Stopping funds from getting transferred to countries or entities which comes under UK
Sanctions.
• Monitoring and identifying payments falling into the Sanctions Queue.

2. • Verifying & authorizing payment in OFAC queue and ensuring all the payments are cleared
before cut-off time.
Feb’06 to Jan’08 with HDFC BANK LTD(ADFC STAFF), CHENNAI.
Designation : OFFICER
Unit : Retail Assets Operations (Personal Loan)
Roles and Responsibilities in Retail Assets Operations:
 Managing Branch credit Appraisal of files based on the credit Policies.
 Fraud control-Has ability to trace out the fudged document and Highlight to the highers up and
caution other counter parts.
 Delinquency control –Coordinating with the collection team following the Non starters and
Delinquent customers.
 Agency Management-Managing the agencies credit point verification and Risk Intelligence control
Managing Turn and around times.
 Prepare and summarized Monthly and weekly Financial Analysis information about the product,
Monthly Mis and National Credit Mis.
 To activities of the branch right from training the sales on policies to maintaining the delinquency
status of the branch.
 Perusing the legal documents and determines the eligibility of the customer on Loan amount.
 Analyze the profile of the amount based on the credentials verify the credit references and
recommended to higher –ups for the approval of the loan.
 Report to senior Management with daily commentary on process towards achievement of
monthly targets.
July’01 to Jan ‘06 with VISWAS ASSOCIATES, Chennai
Designation : Junior officer
Roles and Responsibilities in Back end Operations:
 Preparation of various MIS report as required by the manager.
 Management of the entire Team containing four back end staff operation.
 Assigning of cases to the sales and credit executives Teams.
 Check of Document Files login by Team.
Domain Application Knowledge
1. Knowledge in Flexcube Application related to Funds Transfer
2. Knowledge in Global Payplus Application related to Fund Transfer
IT Skills

3. Course Completed in Manual Testing-2011.
MAJOR ACCOMPLISHMENTS
• Have received certificate of appreciation from TCS SPOT award for STP improvements .
• Have received certificate of appreciation from TCS Performance Excellence awards
EDUCATION
≈ Bachelor of commerce in MANNAR THIRUMALAI NAICKER College, Madurai in 2001.
≈ MBA in NIBM 2014
STRENGTH
 Good at handling multiple priorities, issues and goals.
 Self motivated, personal discipline and initiative skills.
PERSONAL DETAILS
Address : G6 C block Deviappts ground floor no 75/21 south mada street thiruvanmiyur ch-41
Permanent Address : G6 C block Deviappts ground floor no 75/21 south mada street thiruvanmiyur ch-41
Languages known : English, Tamil, Hindi and kannada.
Date of Birth : 08th
October, 1980
Marital Status : Married
Passport : H1335503
Pan card : AIOPT0151H
Yours truly
Thirumalai Raghavan.K